Crisis simulation
Portfolio
Stress Tester
Find out how much your mutual fund portfolio would lose in a market crash — before the crash happens. Built on actual sector drawdowns, not guesswork.
4
Crisis scenarios
13
Sectors modelled
ISIN-level
Holdings precision
Crisis scenarios
Four major crises.
Real sector drawdowns.
Each scenario applies actual NSE sector index drawdowns — not just the Nifty 50 headline number.
Global Financial Crisis 2008
Jan 2008 – Oct 2008 · Extreme
−60%
Nifty 50 peak-to-trough
Covid-19 Crash 2020
Jan – Mar 2020 · Severe
−38%
Fastest 35%+ fall in Nifty history
Euro Crisis 2011
Jan – Dec 2011 · Moderate
−26%
European sovereign debt contagion
Taper Tantrum 2013
May – Aug 2013 · Moderate
−14%
Fed taper triggered EM selloff
How it works
Sector-level precision,
not index-level guesswork
We apply the actual drawdown each sector experienced — Financials fell 64% in GFC, Realty fell 87% — to your fund's current sector mix.
1
Select your funds and weightings
Add up to 8 mutual funds from your portfolio with their actual allocation weights.
2
Choose a crisis scenario
Pick from GFC 2008, Covid 2020, Euro Crisis 2011, or Taper Tantrum 2013.
3
See your estimated drawdown
We apply sector-specific shocks from NSE sector indices to each fund's current holdings and calculate your portfolio's estimated loss.
Frequently asked questions
Common questions
What is portfolio stress testing?
Stress testing simulates how your investments would perform during extreme market events. It applies historical sector drawdowns to your current fund holdings to estimate potential losses — helping you understand your real risk exposure before a crisis hits.
How accurate is the stress test?
The test uses actual NSE sector index drawdowns (Nifty Bank, Nifty IT, Nifty Realty, etc.) applied to each fund's current sector allocation from AMFI monthly data. It's a realistic estimate — actual losses could vary based on fund manager decisions and stock-level moves during a real crisis.
What should I do if my stress test shows large losses?
A high stress loss doesn't mean you should sell. It means your portfolio has high equity concentration or heavy exposure to volatile sectors. Consider whether your asset allocation matches your risk tolerance and time horizon, and look at adding less-correlated assets like debt funds or international funds.
Why do different funds of the same category have different stress scores?
Even within the same category (say, large-cap), funds have different sector weights. A large-cap fund overweight in Financials will suffer more in GFC than one overweight in FMCG. Topsheet accounts for this by applying sector-specific shocks to each fund's actual holdings.